PRICING

Pricing that scales with your pipeline

One all‑in price per file. No setup fees. Cancel anytime. Your first file is free — see your income analysis before you ever pay.

SOC 2 Type 1
SLA <20 min
Human UW on file

🏆 Recognized by the Industry’s Top Platforms:

What you get for $20/file

Automated income calculation aligned to FNMA/FHLMC, FHA & VA rules

Smart Conditions – exact docs to request, tailored to the borrower

Human underwriter review on file before delivery

Audit‑ready Income Report (PDF) with all math and assumptions

Turnaround: < 20 minutes standard

Team roles & Access controls

Email & Phone support

Secure by design – SOC 2 Type 1

Pay per submission
No set up fee
No monthly commitment
Cancel anytime

Your volume, your price

Simple graduated tiers. The more you submit, the less you pay - every tier includes the same full-service bundle.

1-49 files

$20/file

All-in bundle include

Start free

50-99

$17/file

Same features, lower price

Talk to sales

100-199

$14/file

For growing teams

Talk to sales

200-399

$11/file

Scale with confidence

Talk to sales

400+

$9/file

Custom agreement

Custom quote

Coming soon:

Assets

All types

$20

Liabilities

All types
$20

Trusted by mortgage teams:

Andy Z.
Loan Officer
"My overall experience with Rapidio has been excellent — fast, reliable service with clear communication and consistent results every step of the way. I really like the speed and ease of use when I was trying to caulate income. It's very efficient to use."
Verified Reviewer
Loan Originator
"My overall experience with rapidio has been positive. Very easy to use system and detailed explanation of income calculation. Very easy to use, you just jump right in. I have barely had any need to reach out for additional assistance but in the cases I have it was very prompt!"
Kerrie L.
Loan Officer/Mortgage Broker
"Rapidio saved me SO much time calculating income for borrowers with complex tax returns. The information didn't fit into any of the usual calculation worksheets, and I didn't feel confident sending a preapproval with an unsure calculation. Within 30 minutes of submitting everything to Rapidio I had the full results - including review by their QC dept - AND they called to walk me through it and point out any issues so I could address them before submitting the file. I've used other income analysis companies in the past and Rapidio was by far the easiest and the fastest. I can't recommend it enough!"
Michele A.
Senior Morgage Advisor
"The income is calculated very quickly and also provides conditions and is also viewed by an underwriter. I find this super helpful and saves me so much time. I do not have to calculate income by hand. The customer support is excellent and you can talk out the situation and income with a live underwriter."
Brittanny F.
Mortgage Loan Processor
"Quick and easy to use. Aligning with UW got a lot faster."
Waseem B.
CEO
"We no longer do manual calcs ourselves. The accuracy is phenomenal. Every time we compare Rapidio's income calculations with our lenders', the results match perfectly. It saves us hours and gives us a real edge over the competition."
IMB
CEO
“We have >6,000 broker partners across 40 states that expect the best. With Rapidio, we deliver on that promise. There’s no other solution that allows cost control at the loan level. This is the future.”
Miles M.
Loan Officer
“Apparently I was able to just sign up and start; I didn't realize it was that simple. I decided to do an demo call and they were so polite in helping me understand their product and I really didn't need to be sold on anything. This provides so much value and was exactly what I was looking for. No sales pressure or tactics, just genuine help."

Rapidio — ROI Calculator (Bundle / Enterprise)

Inputs

Constants: Rapidio time = 15 min.
Tier applied: $20/file · 1–49 (based on 0 Rapidio files/mo). Price used: $20.00

Key Results

Net savings per loan
$0
Hours saved per month
0 h
Net monthly savings
$0
Net annual savings
$0
ROI (annual)
0%
Hours saved / person / month
0 h
Team time freed
0%
Team capacity — today
0
Team capacity — with Rapidio
0

Ready to see it on your borrower?

Upload one file – get Smart Conditions and an audit-ready Income Report at no cost. If it works for you, turn it on for the whole team.

Start free
Talk to sales

Pricing

Savings are calculated against PAYG: W-2 $30 / SE $35. 1 credit = 1 file.
Starter 10
$159
/mo
≈ $15.90 / credit
Savings at your volume: —
  • Credit pool: any file type
  • Rollover 20% × 2 months
  • Overage = plan rate
Calculate savings
Growth 20
$279
/mo
≈ $13.95 / credit
Savings at your volume: —
  • Team-wide pool (branches)
  • Rollover 20% × 2 months
  • Audit-friendly reports
Calculate savings
Scale 50
$599
/mo
≈ $11.98 / credit
Savings at your volume: —
  • Queue priority, SLA < 30 min
  • White-label PDF
  • Rollover 20% × 2 months
Calculate savings
Starter 10 — Annual
$139
/mo
≈ $13.90 / credit
Savings at your volume: —
  • 12-mo commit / $1,668 per year
  • Credit pool: any file type
  • Rollover 20% × 2 months
Calculate savings
Growth 20 — Annual
$239
/mo
≈ $11.95 / credit
Savings at your volume: —
  • 12-mo commit / $2,868 per year
  • Team-wide pool (branches)
  • Audit-friendly reports
Calculate savings
Scale 50 — Annual
$499
/mo
≈ $9.98 / credit
Savings at your volume: —
  • 12-mo commit / $5,988 per year
  • Queue priority, SLA < 30 min
  • White-label PDF
Calculate savings

Pay-As-You-Go

Wage Earner (W-2)
$30
/file
  • No contract, pay per use
  • Great for occasional files
  • SLA < 30 min
Compare plans
Self-Employed
$35
/file
  • No contract, pay per use
  • Flexible for volume spikes
  • SLA < 30 min
Compare plans
Why subscription?
  • Lower $/file at steady volumes
  • Team-wide credit pool
  • Rollover 20% × 2 months
Calculate savings
Savings depend on your volume and W-2/SE mix.

Savings calculator

PAYG = W-2 $30 × qty + SE $35 × qty. 1 credit = 1 file. Overage = your plan’s per-credit rate.

Pay-As-You-Go

$35 and $30/per loan
  • Unlimited document uploads
  • Final PDF reports included
  • Smart Underwriting Conditions
  • Full QC Coverage (100% accuracy*)
  • Multiple income options
  • SLA: <30 mins
  • 1 Free Calculation
Start

Professional

$299/month
  • Includes 15 loans
  • Additional loans: $25–$30 each
  • Everything in Starter
  • Team Access (up to 100 users)
  • Team Management tools
  • Analytics Dashboard
  • Early access to new features
Start

Enterprise

Custom
  • Everything in Professional
  • Dedicated Account Manager
  • Custom Security & Compliance Setup
  • White-Labeling (Logo, domain, email)
  • API Access & Integrations (LOS, CRM, etc.)
  • Custom SLA / Weekend Support
Start